Rams - Diamonds
ActiveRams - Diamonds has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €448k and a net result of €44k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+12
Solvency94▼-6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 4.91 in 2024; short-term debt: 31.2% and cash: 16.1% of total assets), and 31.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.8%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
29 d late
2023
44 d late
2022
31 d late
2021
59 d late
2020
58 d late
2019
116 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€44k▲ 676%
2024 · €6k
2018: €30k
2019: €39k
2020: €35k
2021: €30k
2022: €58k
2023: €69k
2024: €6k
2018 → 2025
Working capital
€386k▼ 16.6%
2024 · €462k
2018: €213k
2019: €249k
2020: €294k
2021: €328k
2022: €381k
2023: €450k
2024: €462k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€340k-€398k▲ 16.9%€467k▲ 17.3%€472k▲ 1.2%€448k▼ 5.2%
Operating result€43k-€90k▲ 110%€99k▲ 10.1%€14k▼ 85.7%€64k▲ 351%
Net result€30k-€58k▲ 93.3%€69k▲ 19.7%€6k▼ 91.8%€44k▲ 676%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 351% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €651k
Fixed assets
€62k▲ 515%
Current assets
€588k▲ 1.4%
Equity and liabilities €651k
Equity
€448k▼ 5.2%
Debt
€203k▲ 71.7%
The debt ratio rises from 20.0% to 31.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €20k
Cash flow
€58k▲
2024 · €12k
Solvency
68.8%▼
2024 · 80.0%
Current ratio
2.90▼
2024 · 4.91
Quick ratio
0.74▼
2024 · 1.30
Debt / equity
0.45▲
2024 · 0.25
ROE
9.8%▲
2024 · 1.2%
ROA
6.8%▲
2024 · 1.0%
Interest coverage
21.73▲
2024 · 5.43
Debt
€203k▲
2024 · €118k
Debt ≤ 1 year
€203k▲
2024 · €118k
Income taxes
€18k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€590k€651k▲
Fixed assets21/28€10k€62k▲
Intangible fixed assets21-€2k
Tangible fixed assets22/27€10k€60k▲
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€8k€56k▲
Current assets29/58€580k€588k▲
Stocks and contracts in progress3€427k€439k▲
Stocks30/36€427k€439k▲
Amounts receivable within one year40/41€19k€26k▲
Other amounts receivable41€19k€26k▲
Cash at bank and in hand54/58€120k€105k▼
Deferred charges and accrued income490/1€14k€18k▲
Equity and liabilities
Total equity and liabilities10/49€590k€651k▲
Equity10/15€472k€448k▼
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Reserves13€401k€377k▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€394k€370k▼
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€118k€203k▲
Amounts payable within one year42/48€118k€203k▲
Financial debts43€4k€4k=
Credit institutions430/8€4k€4k=
Trade debts44€42k€50k▲
Suppliers440/4€42k€50k▲
Taxes, remuneration and social security45€2k€15k▲
Taxes450/3€2k€15k▲
Other amounts payable47/48€70k€134k▲
Income statement
Code20242025
Non-recurring operating income76A-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€14k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€22k€81k▲
Operating profit (loss)9901€14k€64k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€12k€62k▲
Income taxes67/77€6k€18k▲
Profit (loss) for the period9904€6k€44k▲
Profit (loss) for the period to be appropriated9905€6k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€45k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2-€68k
Transfer to equity691/2€6k€44k▲
To other reserves6921€6k€44k▲
Profit to be distributed694/7-€68k
Return on contributions (dividend)694-€68k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼91.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 44 days late
2023
31-12
Financial
Highest result since 2018net €69k ▲19.7%
Operating result €99k, net result €69k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
15-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 76 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 64 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Boom · 1 establishment unit since 1999
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Antwerpsestraat 4062850 BoomGround area
596 m²
Building footprint
231 m²
Volume, LiDAR
1,835 m³
Parcel 11622C0039/00S004, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Antwerpsestraat 406, 2850 Boom
since 19992.090.676.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11622C0039/00S004 | Flanders | 596 m² | 1 · 231 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BIJOUTERIE HORLOGERIE DEHALU
BE 0474.358.803
Ciney · Eq €445k
I.Ma.Gi.N. Jewels
BE 0525.976.758
Antwerpen · Eq €443k
Thierens - Van Wauwe
BE 0507.984.446
Temse · Eq €454k
ORFEO JEWEL-WATCH
BE 0634.959.921
Bastogne · Eq €441k
BIJOUTERIE DEPAS
BE 0462.930.322
Mettet · Eq €440k
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 635 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-02-1999
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
47120Other non-specialised retail sale
47910Retail trade
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@juwelenrams.be
Phone:0460977377